Our current apartment is valued at RIB 700,000 . We can sell it and put that money towards buying the new apartment .   Yeah , but we still need RIB 500,000 . Maybe we can use some of our savings to pay part of it .   And we can take out a loan to pay the rest .   Great , so we can afford the new apartment after all !   Uh huh ... but we're going to have to cut back on our shopping from now on . 